Is TruStage Auto Insurance Good? An In-Depth Look at Benefits, Costs & More

TruStage insurance offers an accessible auto insurance solution for credit union members who want to handle their banking and insurance needs in one place. But is TruStage auto insurance really a good choice compared to other carriers?

In this comprehensive guide, we’ll take an in-depth look at TruStage car insurance to help you decide if it’s the right fit for your needs and budget. We’ll cover pros and cons, average costs, available discounts, customer service reputation and more.

Overview of TruStage Auto Insurance

TruStage auto insurance is offered primarily through its partnership with Liberty Mutual, an insurance company that operates nationwide. However, other affiliate companies may underwrite policies in some cases.

Liberty Mutual offers standard car insurance coverage types like liability, collision, comprehensive and uninsured/underinsured motorist coverage.

The availability of certain add-on coverage options makes Liberty Mutual’s auto insurance unique from other car insurance carriers. Where available, this may include:

  • Better Car Replacement – For older vehicles totaled in an accident, this coverage could provide a 1-year newer replacement with 15,000 fewer miles.
  • Lifetime Repair Guarantee – If you own your vehicle and are in an accident, Liberty Mutual can help with repairs at one of their Guaranteed Repair Network facilities.

Pros and Cons of TruStage Car Insurance

Here’s a quick rundown of the key pros and cons of TruStage auto insurance:


  • Repair network guarantees repairs of vehicles owned outright
  • Many add-on endorsement options for customizing your policy
  • Savings available for credit union members


  • Not underwritten by TruStage; offered primarily through Liberty Mutual
  • Liberty Mutual ranked below average in J.D. Power auto insurance studies
  • Below average auto claims satisfaction scores

Is TruStage Auto Insurance Expensive?

Average rates for TruStage and Liberty Mutual car insurance are not publicly available. However, it’s helpful to know the national average cost of car insurance for benchmarking:

  • Full coverage auto insurance: $2,014 per year
  • Minimum coverage auto insurance: $622 per year

Your quoted TruStage premium will vary based on factors like your location, vehicle type, mileage and more. To get a specific quote, enter your zip code online or call 1-855-483-2149.

Discounts to Lower Your TruStage Premium

Discounts are a great way to lower your car insurance costs. TruStage auto insurance discounts that may be available include:

  • Credit union member discount – Additional savings for being a credit union member.
  • Claims-free discount – For safe drivers with a clean driving record.
  • Multi-car discount – Insuring multiple vehicles on the same policy.

Is TruStage Good for Claims Service?

How an insurer handles claims is an important factor in customer satisfaction. Here’s how Liberty Mutual, TruStage’s primary underwriting partner, ranks:

  • Scored below average in 10 of 11 regions in J.D. Power’s 2023 Auto Insurance Satisfaction study.
  • Ranked below average in J.D. Power’s 2023 Auto Claims Satisfaction study.
  • Had a high NAIC Complaint Index score in 2022, indicating a higher-than-expected complaint volume.

This data suggests TruStage auto policyholders may not have the best claims satisfaction compared to other top insurers.

Is TruStage Reliable for Paying Claims?

While customer service scores are subpar, Liberty Mutual (the underwriter for most TruStage policies) has strong financial strength ratings from AM Best:

  • Liberty Mutual: A (Excellent) rating
  • Industry average: A+ to A++ ratings

So while the claims process may not be seamless, Liberty Mutual has proven ability to pay out claims owed to policyholders.

Who is TruStage Auto Insurance Good For?

TruStage car insurance could be a good fit if:

  • You’re a credit union member interested in bundling auto insurance with your other accounts.
  • You want access to Liberty Mutual’s add-on coverages and repair shop network.
  • You prioritize lower rates over customer service.

It may not be the best choice if top-notch claims service is your top priority.

Alternatives to TruStage Worth Considering

Here are a couple of other top auto insurers that frequently rank well for customer satisfaction:

  • State Farm – Consistently highly rated for auto insurance claims handling and customer service. Wide availability of local agents provides a personal touch.
  • Allstate – National insurer with strong financial backing. Offers many options to customize your auto policy.
  • USAA – Only for military members but has stellar customer service ratings and affordable rates.

Comparing quotes from multiple providers is the best way to find the right balance of coverage, cost and service.

TruStage Auto Insurance: Final Take

The convenience of bundling TruStage car insurance with your credit union membership may appeal to some drivers. Just keep in mind that customer service ratings are below average, so you may not have the smoothest experience when filing a claim.

Focus on finding discounts to reduce your premium. And consider contacting providers like State Farm and Allstate as well to make sure you get the right mix of rate, coverage and service for your individual needs.

🔥 TruStage Auto Insurance Review: Pros and Cons of Their Coverage


Is TruStage insurance reliable?

TruStage and its sister insurance brands are issued by CMFG Life Insurance Company, which maintains an A rating from the independent credit rating agency AM Best. This indicates that the company has the financial stability to pay claims.

Is TruStage the same as Liberty Mutual?

The TruStage Home Insurance Program is underwritten by Liberty Mutual, one of the biggest providers in America. The result is a policy to have confidence in; as well as payments that can fit within many budgets.

What type of insurance is TruStage?

TruStage™ Simplified Issue Term Life Insurance to Age 80 is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. This is a term policy that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75.

What insurance company is most reliable?

Geico, Amica and USAA are among the best car insurance companies in 2024, according to Bankrate’s research.

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